Orrstown Financial Services Inc
investors.orrstown.comWhat Do They Do?
Provides banking and financial advisory services to retail, commercial, nonprofit and government clients.
10-K for FY2025, filed Mar 12, 2026Orrstown Financial Services, Inc., a Pennsylvania corporation, is the financial holding company ("FHC") for its wholly-owned subsidiary…View ↗
The Bank operates in the community banking segment and engages in lending activities, including commercial, residential, commercial…View ↗
The Bank offers deposit products to retail, commercial, non-profit and government clients through its retail branch network, its website…View ↗
How Do They Make Money?
Deposit clients pay transaction and overdraft fees when used, plus monthly account fees. Trust clients pay management fees over time and transaction fees when trades occur; a broker partner pays commissions weekly based on client activity, while card transactions generate interchange fees.
10-K for FY2025, filed Mar 12, 2026Service Charges on Deposit Accounts - The Company earns fees from its deposit clients for transaction-based, account maintenance, and…View ↗
Trust and Investment Management Income - The Company earns wealth management and investment brokerage fees from its contracts with trust…View ↗
Brokerage Income - The Company earns fees from investment management and brokerage services provided to its clients through a third-party…View ↗
Interchange Income - The Company earns interchange fees from debit/credit cardholder transactions conducted through the MasterCard payment…View ↗
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10-K for FY2025, filed Mar 12, 2026
FY2025 revenue by product or service ↗
$37.1M
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10-K for FY2025, filed Mar 12, 2026
$37.1M ↗
| Segment | Share | Revenue | How money arrives |
|---|---|---|---|
|
Service charges on deposit accounts and ATM fees
|
23%
FY2022: 21%
|
Service charges on deposit accounts and ATM fees, FY2025
$8.5M Sources
|
|
|
Trust and investment management income
|
40%
FY2022: 39%
|
Trust and investment management income, FY2025
$15M Sources
|
|
|
Brokerage income
Usage-based
10-K for FY2025, filed Mar 12, 2026 |
18%
FY2022: 19%
|
Brokerage income, FY2025
$6.7M Sources
|
Usage-based |
|
Interchange income
Usage-based
10-K for FY2025, filed Mar 12, 2026 |
19%
FY2022: 21%
|
Interchange income, FY2025
$7M Sources
|
Usage-based |
Who Are Their Customers?
Retail clients access deposit products through branches, the website and digital tools; commercial, nonprofit and government clients can also use the commercial team. Borrowers work with the Bank through branches, its client service center or mortgage loan officers, and brokerage services are offered through a third-party broker/dealer.
10-K for FY2025, filed Mar 12, 2026The Bank offers deposit products to retail, commercial, non-profit and government clients through its retail branch network, its website…View ↗
Digital capability for consumers includes person-to-person (P2P) payment, bill pay, mobile deposit capture and domestic money transfer…View ↗
The Bank originates residential mortgages throughout its various markets referred from retail branches and through a network of mortgage…View ↗
Investment ServicesView ↗
Do Revenues Turn Into Profits?
Yes. Its net income in FY2025 was larger than its revenue and turned 190 cents into free cash flow.
How Are They Changing?
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May 6, 2026
Adam Metz elected CEO as Thomas Quinn retires
The change takes effect upon Quinn's retirement from the role at close of business on June 1, 2026.
Sources
8-K, filed May 6, 2026
On May 5, 2026, the Boards of Directors of Orrstown Financial Services, Inc. (the “Company”) and its wholly-owned subsidiary Orrstown Bank…View ↗
Growing. Revenue grew 96% in 4 years, from $18.9M in FY2021 to $37.1M in FY2025, about 18% a year.
Merger and geographic footprint
The latest report attributes a larger York, Pennsylvania footprint and deeper penetration in existing markets to its merger; the older report already listed York County among areas served.
10-K for FY2022, filed Mar 16, 2023 10-K for FY2025, filed Mar 12, 2026Orrstown Financial Services, Inc., a Pennsylvania corporation, is the financial holding company ("FHC") for its wholly-owned subsidiary…View ↗
The Company merged with Codorus Valley Bancorp, Inc. ("Codorus Valley") and the Bank merged with its wholly-owned bank subsidiary…View ↗
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